No. of Recommendations: 1
Little known fact: Some policies reduce the coverage by the cost of defense/legal fees~that's not trivial.

Yeah, that's called an eroding policy or a defense within limits policy, and you don't want ever want that. You always want your legal fees on top of and separate from your liability policy limits. If you have an eroding or diminishing policy, you could still be left with a big judgment to pay after litigation. I'm not sure if that's typical on personal policies, but it's not super uncommon on commercial policies, but to me it seems very dangerous.
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